Search found 671 matches

by whatchamacallit
Mon Nov 28, 2022 3:20 pm
Forum: Cash
Topic: Tempting Cash Rebate offers
Replies: 36
Views: 509

Re: Tempting Cash Rebate offers

You are right. I was mixing up the 30k and 70k bonuses. Long story short is you are not getting that full bonus when you look at opportunity cost of moving from Treasury to citi So maybe you get $300 of that $500 bonus if you are lucky. Would be much more attractive if Treasury wasn't already paying...
by whatchamacallit
Mon Nov 28, 2022 11:29 am
Forum: Cash
Topic: Tempting Cash Rebate offers
Replies: 36
Views: 509

Re: Tempting Cash Rebate offers

After seeing rate was better for lower amounts, I contemplated the $500 for $30k offer but still don't think it is worth it.

After state tax, rate would be more like 5.1

1 year Treasury is 4.75

So all the trouble to earn an extra .35 %

$100 maybe?
by whatchamacallit
Thu Nov 24, 2022 10:38 pm
Forum: Other Discussions
Topic: Peanut Butter
Replies: 52
Views: 1335

Re: Peanut Butter

The peanut butter was exceptional. Going back to peter pan has been difficult. Walmart is also out of stock now.
by whatchamacallit
Thu Nov 24, 2022 10:33 pm
Forum: Cash
Topic: Tempting Cash Rebate offers
Replies: 36
Views: 509

Re: Tempting Cash Rebate offers

My calculations show this worse deal than Treasury money market.

It would only be about annual 4% return if you could replicate every 60 days. Rough estimate 2000 of 300000 is .66 % , x 6 is 3.96.


You would be better off buying 2 month Treasury that doesn't have state income tax for sure.
by whatchamacallit
Thu Nov 10, 2022 12:40 pm
Forum: Gold
Topic: Gold ETFs old and new
Replies: 32
Views: 6133

Re: Gold ETFs old and new

Just noticed.

IAUM
Now at .09% expense ratio.

Bid ask spread and premium spread are looser than GLDM so I think GLDM would still be more cost effective.

https://www.ishares.com/us/products/306 ... rust-micro
by whatchamacallit
Wed Nov 09, 2022 9:53 am
Forum: Cash
Topic: Single-bond ETFs
Replies: 8
Views: 790

Re: Single-bond ETFs

I completed a 3 month auction just in time to watch the rates go up right after. I also set up auto roll on it. For simplicity sake I am liking both sgov and cltl as mindless place to put cash while waiting for I bond space. Sgov is winning out for now but their expense ratio is scheduled to go up t...
by whatchamacallit
Sun Nov 06, 2022 8:43 pm
Forum: Variable Portfolio Discussion
Topic: 4.3% SWR for 30 years
Replies: 17
Views: 666

Re: 4.3% SWR for 30 years

I wondered if you could make it simpler with ETFs. I don't know how to calculate your yield though. You could split money 3 ways between these funds to spread out the duration. Then sell the fund that is up when you need to make a withdrawal. https://www.pimco.com/en-us/investments/etf/1-5-year-us-t...
by whatchamacallit
Fri Nov 04, 2022 3:20 pm
Forum: Politics
Topic: White House Deletes Tweet After Context Note
Replies: 10
Views: 456

Re: White House Deletes Tweet After Context Note

At first I didn't like the sound of context being added by Twitter overlords but it sounds like this just a pinned comment based on community votes. That is generally helpful to stop a tweet that is disinformation. According to a description under the annotation, “Context is written by people who us...
by whatchamacallit
Wed Nov 02, 2022 9:56 am
Forum: Other Discussions
Topic: Peanut Butter
Replies: 52
Views: 1335

Re: Peanut Butter

Ok folks...convince me that (on Amazon) a $28.55 16oz jar of Teddie peanut butter is THAT good. I can get 12 16.3 oz jars of Skippy Super Chunk for $31.44 (on Amazon) 12x better??? Sounds like that is just an Amazon price predator. 26 oz for $5 https://www.walmart.com/ip/43300425 I have received my...
by whatchamacallit
Mon Oct 31, 2022 5:44 pm
Forum: Other Discussions
Topic: Peanut Butter
Replies: 52
Views: 1335

Re: Peanut Butter

Seriously, why even bother with the apples. The only thing I ever add to my peanut butter is chocolate chips. :) The apples are non-cane sugar .. natural sugar. Now I will go off to make my only meal of the day. Heaping tablespoon of unsweetened cocoa powder A lot of peanut butter 2 packets of Stev...
by whatchamacallit
Sat Oct 29, 2022 10:28 pm
Forum: Other Discussions
Topic: Peanut Butter
Replies: 52
Views: 1335

Re: Peanut Butter

Never had it myself but I found Walmart ships at least the salted variety. I'll order some to try.

Teddie All Natural Super Chunky Peanut Butter, 26 oz https://www.walmart.com/ip/43300425
by whatchamacallit
Thu Oct 27, 2022 3:13 pm
Forum: Permanent Portfolio Discussion
Topic: Bitcoin as a complement or alternative to gold in the PP
Replies: 175
Views: 38599

Re: Bitcoin as a complement or alternative to gold in the PP

The TIME magazine market top indicator is getting very close. It isn't a cover yet but at this rate I expect bitcoin to be on the cover this year. https://www.thestreet.com/crypto/bitcoin/time-magazine-to-hold-bitcoin For reference housing indicator https://ritholtz.com/2005/06/uh-oh-time-magazine-...
by whatchamacallit
Wed Oct 26, 2022 9:02 pm
Forum: Cash
Topic: Single-bond ETFs
Replies: 8
Views: 790

Re: Single-bond ETFs

Thanks for confirmation about the bid/ask spreads Coasting.

That is good information on needing to have the full $1000 in account for each bond/bill purchased.
by whatchamacallit
Wed Oct 26, 2022 6:36 pm
Forum: Other Discussions
Topic: Best Cash Back Credit Card
Replies: 22
Views: 2461

Re: Best Cash Back Credit Card

Advice from Rob Berger on simplifying cash back credit cards. Seems pretty reasonable.


A 3-Credit Card Cash Back Strategy Worth $500,000+

https://www.youtube.com/watch?v=4pWev9D_0yQ
by whatchamacallit
Wed Oct 26, 2022 6:19 pm
Forum: Permanent Portfolio Discussion
Topic: Non-ESG ETFs
Replies: 36
Views: 2294

Re: Non-ESG ETFs

I can't hypothesize a solution. Most people's stock is locked up in their retirement accounts and I don't see enough people actually taking the time to think about it. The power to make a difference is going to have to come from the customers of the companies. The other problem is future growth is n...
by whatchamacallit
Wed Oct 26, 2022 5:45 pm
Forum: Cash
Topic: Single-bond ETFs
Replies: 8
Views: 790

Re: Single-bond ETFs

Yes I agree T bills are much better return than any savings account or CD right now. It is hard to believe and I don't quite understand why. I guess banks just don't have the need for further deposits so they don't try to compete. I currently have a mix of SGOV ETF and direct t bills through Fidelit...
by whatchamacallit
Wed Oct 26, 2022 2:40 pm
Forum: Cash
Topic: Single-bond ETFs
Replies: 8
Views: 790

Re: Single-bond ETFs

I probably saw this same article come up about these and then found the .15 % expense ratio and lost interest in them from there. I am going to try the non-competitive auction through Fidelity with auto roll here soon to see how I like that. I have only previously been buying secondary and felt like...
by whatchamacallit
Mon Oct 24, 2022 12:47 pm
Forum: Gold
Topic: All the Metals We Mined in 2021
Replies: 0
Views: 283

All the Metals We Mined in 2021

Interesting graphic and statistics here:

https://elements.visualcapitalist.com/a ... d-in-2021/

This only causes more hate and concern of gold for me. It just seems like gold is way over priced when you compare with platinum.
by whatchamacallit
Fri Oct 21, 2022 7:09 pm
Forum: Permanent Portfolio Discussion
Topic: Non-ESG ETFs
Replies: 36
Views: 2294

Re: Non-ESG ETFs

When the SEC is the one pushing for ESG, then the only escape will be another country.

https://www.sec.gov/sec-response-climat ... ortunities
by whatchamacallit
Thu Oct 20, 2022 5:21 pm
Forum: Cash
Topic: BondBloxx ETFs
Replies: 1
Views: 318

BondBloxx ETFs

While still in pursuit of trying to simplify cash investing I came across some new treasury ETFs. It looks like they just created them in the last couple of months. Two funds of interest to me are the 6 month and 1 year treasury ETFs that have a .03% expense ratio. https://bondbloxxetf.com/products/...
by whatchamacallit
Thu Oct 20, 2022 8:31 am
Forum: Other Discussions
Topic: For BelangP fans
Replies: 1
Views: 228

Re: For BelangP fans

by whatchamacallit
Tue Oct 18, 2022 6:06 am
Forum: Other Discussions
Topic: Best Cash Back Credit Card
Replies: 22
Views: 2461

Re: Best Cash Back Credit Card

https://www.citi.com/credit-cards/citi-custom-cash-credit-card Earn 5% cash back on your highest eligible spend category each billing cycle up to $500 spent and 1% cash back thereafter on all other purchases. My plan is to use for only grocery stores. $500 is almost exactly what I spend a month at g...
by whatchamacallit
Mon Oct 17, 2022 12:01 pm
Forum: Other Discussions
Topic: Best Cash Back Credit Card
Replies: 22
Views: 2461

Re: Best Cash Back Credit Card

This was the reminder I needed to sign up for citi custom cash.

Now I will just need to downgrade my Amex to get rid of annual fee.
by whatchamacallit
Thu Oct 13, 2022 10:00 pm
Forum: Cash
Topic: Savebetter looks interesting
Replies: 5
Views: 658

Re: Savebetter looks interesting

I think I first heard of save better from his channel as well. The ability to get competitive rates from different banks all in one account and also no penalty CDs does sound appealing. It seems like they can get better rates than an individual could due to volume but would be worth lower rate for t...
by whatchamacallit
Fri Oct 07, 2022 2:53 pm
Forum: Bonds
Topic: When is it time to load up on bonds.
Replies: 7
Views: 820

Re: When is it time to load up on bonds.

Macrovoices podcast guest argument for global depression that takes rates back to zero.

https://www.macrovoices.com/1119-macrov ... lies-ahead